Headquartered in Everett, Washington, Coastal Community Bank (Member FDIC, Washington State-Chartered) operates as a leading sponsor bank in embedded finance through its dedicated fintech division, CCBX. Managing over $5 billion in assets, Coastal combines community banking origins with technology-forward infrastructure to power neobanks, vertical SaaS platforms, digital lenders, and consumer fintech brands.

Through CCBX, Coastal Community Bank provides an enterprise-grade BaaS architecture built for speed, scale, and compliance. The bank offers full program sponsorship for FDIC-insured deposit accounts, Visa and Mastercard card issuing, lending origination, and real-time payment clearing. CCBX operates a risk-first governance model with embedded CIP/KYC verification, BSA/AML monitoring, and automated compliance controls.

• Dedicated CCBX BaaS Division: A specialized team and technology stack engineered specifically for high-velocity partner banking, card issuing, and deposit management.

• Visa & Mastercard Dual-Network Issuing: Principal BIN sponsorship for branded virtual and physical debit cards, consumer credit cards, and prepaid card programs.

• Developer-Ready APIs & Sandbox: Enterprise-grade banking APIs supported by developer environments for fast onboarding and seamless application integration.

• Multi-Rail Money Movement Clearing: Direct connectivity for real-time transaction clearing across FedACH, FedNow, RTP, domestic wires, and card networks.

• Embedded Regulatory Governance: Comprehensive, AI-enabled risk oversight engines providing continuous transaction monitoring, regulatory reporting, and compliance management.

Key Features

• White-Label Deposit Account Origination: API-driven creation of consumer checking, high-yield savings, and commercial deposit accounts with pass-through FDIC insurance.

• Full-Stack Card Program Issuing: Complete BIN sponsorship and program management for consumer debit, corporate charge, and consumer credit cards with customizable spend rules.

• Embedded Consumer & Business Lending: Flexible origination sponsorship supporting consumer term loans, point-of-sale financing, and commercial credit lines.

• Multi-Tenant FBO Deposit Architecture: Custodial FBO account structures supporting stored-value wallets, marketplace escrow, and automated sub-ledgering.

• Integrated Partner Risk & Compliance Oversight: Continuous auditing, CIP/KYC/KYB verification, and BSA/AML monitoring tailored to scale with program transaction volume.